Best rewards credit cards?

[HarryCaray]

Long story short I came out of my divorce with shit credit, 580ish. Have it up above 700 now.

One of the ways I did that was getting a shitty capital one card, running it almost to max every month and then paying it off in full. Then they increased my credit limit, which improved my credit score, etc.

Getting to the point now where I can get approved for some better cards (and ditch the capital 1) and was looking for advice. Torn between getting an airline type card that lets me earn miles, or something like the NFL extra points card that give me points towards gear and tickets. Maybe I'll get one of each.

In the interest of getting the best advice: I fly Delta mostly cause the Atlanta hub is near where I live, plus they fly directly into my hometown. I'm already Delta Skymiles silver and earn lots of points just from business travel.

As far as sports, I'd say I am a baseball/NFL/NHL fan equally, with NBA being well behind those 3.

I don't want to pay an annual membership fee if possible.

My cap 1 sits with a 1400 balance that I can pay off now, or transfer the balance to a new card (if I can get a 0% transfer fee, and paying it off on the rewards card is beneficial to me). It's due May 8th.

So what cards out there do you think give me best bang for my buck? Thanks for any advice.

 

[HarryCaray]

This is one I was looking at.

http://www.nflextrapoints.com/nfl-extra-points-credit-card/chicago-bears/benefits

Here are the rewards

http://www.nflextrapoints.com/nfl-extra-points-credit-card/chicago-bears/rewards

 

[CHOPTALK]

Chase Amazon is great if you buy a lot of stuff on Amazon.

 

[JustinCruise]

I got the chase sapphire preferred last year and the capital one venture. Very satisfied with both.

Here is a site i found very useful

http://www.nerdwallet.com/the-best-credit-cards

 

[HarryCaray]

Also looking at these, but there is a membership fee. Plus I feel like AmEx is accepted less places (maybe my imagination?)

http://www.delta.com/content/www/en...rs/credit-card-partners/u-s-credit-cards.html

 

[C.P.]

HC,

I have AMEX.....got tons of free stuff...no fees

also look into credit k a r m a . c o ......you get the idea..

anyway...

they view your whole situation and give the THE BEST CREDIT CARD options, just a thought

 

[HarryCaray]

HC,

I have AMEX.....got tons of free stuff...no fees

also look into credit k a r m a . c o ......you get the idea..

anyway...

they view your whole situation and give the THE BEST CREDIT CARD options, just a thought

I do visit that site regularly, that's actually what got me thinking.

They recommend the Blue Cash Everyday Amex and the NFL Extra Points card...based on my spending patterns.

 

[KingEleven]

HC, which card did you end up going with? I want to get a rewards card, and i was thinking something for airfare.

 

[CarolinaKid]

i like this one.................... https://creditcards.chase.com/a1/sapphire/reserve

 

[KingEleven]

i like this one.................... https://creditcards.chase.com/a1/sapphire/reserve

$450 annual fee? yikes!

 

[niltes]

the Costco credit card is the nuts. 4% back on all gas. 3% on food + travel.
2% back at Costco. 1% back on everything else. FYI all my 1% purchases
go on other cards which give greater rewards.

 

[CarolinaKid]

King this is a great card, if you travel reg the 450 fee is nothing

 

[CarolinaKid]

[FONT=&quot][FONT=open_sans_extrabold]100,000 BONUS POINTS[/FONT]
after you spend $4,000 on purchases in the
first 3 months from account opening.

[FONT=open_sans_semibold]$450 Annual Fee†[/FONT]
*Offer Details | † Pricing & Terms

[/FONT]​

[FONT=&quot][/FONT]
[FONT=&quot][h=1][FONT=open_sanslight]INTRODUCING CHASE SAPPHIRE RESERVESM[/FONT][/h][h=2][FONT=open_sans_extrabold]100,000 BONUS POINTS[/FONT][/h]after you spend $4,000 on purchases in the first 3 months from
account opening* — [FONT=open_sans_semibold]that's $1,500 toward travel[/FONT] when you redeem
through Chase Ultimate Rewards®.
[FONT=open_sans_semibold]$450 Annual Fee†[/FONT]


*Offer Details | † Pricing & Terms

• 
  [*=center][FONT=open_sans_extrabold]$300[/FONT]ANNUAL
  TRAVEL CREDIT
  [*=center][FONT=open_sans_extrabold]3X[/FONT]POINTS
  [*=center][FONT=open_sans_extrabold]50%[/FONT]MORE IN
  TRAVEL REDEMPTION
  [*=center][FONT=open_sans_extrabold]ELITE[/FONT]TRAVEL
  BENEFITS
  [*=center][FONT=open_sans_extrabold]24/7[/FONT]ACCESS

[FONT=open_sanslight]EXPERIENCE CHASE SAPPHIRE RESERVE[/FONT]
Enjoy elevated rewards for all your travels
​

[h=3][FONT=open_sans_extrabold]$300[/FONT]
ANNUAL
TRAVEL CREDIT[/h]

• [FONT=open_sans_semibold]Receive up to $300 in statement credits annually[/FONT] as reimbursement for travel purchases such as airfare and hotels charged to your card*

[h=3][FONT=open_sans_extrabold]3X[/FONT]
POINTS[/h]

• [FONT=open_sans_semibold]Earn 3X points on travel worldwide[/FONT] from airfare and hotels to taxis and trains*
• [FONT=open_sans_semibold]Earn 3X points on dining at restaurants worldwide[/FONT] from fast casual to fine dining*
• Earn 1 point per $1 spent on all other purchases*

[h=3][FONT=open_sans_extrabold]50%[/FONT]
MORE IN
TRAVEL REDEMPTION[/h]

• [FONT=open_sans_semibold]Get 50% more value[/FONT] when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards®.* For example, [FONT=open_sans_semibold]100,000[/FONT] points are worth [FONT=open_sans_semibold]$1,500[/FONT] toward travel
• [FONT=open_sans_semibold]No blackout dates or travel restrictions[/FONT] — as long as there’s a seat on the flight, you can book it through Chase Ultimate Rewards

[h=3][FONT=open_sans_extrabold]ELITE[/FONT]
TRAVEL
BENEFITS[/h][FONT=open_sans_semibold]Before you travel ...[/FONT]

• Receive up to $100 application fee credit for Global Entry or TSA Pre[FONT=Arial !important]✔[/FONT]®*
• 1:1 point transfer to leading airline and hotel loyalty programs

[FONT=open_sans_semibold]At the airport ...[/FONT]

• Access to 900+ airport lounges worldwide with complimentary Priority Pass™ Select membership*
• Special car rental privileges from National Car Rental, Avis and Silvercar when you book with your card*

[FONT=open_sans_semibold]Upon arrival ...[/FONT]

• Special benefits during your stay with The Luxury Hotel & Resort CollectionSM*
• Pay no foreign transaction fees†
• World-class suite of travel and purchase protections*

[h=3][FONT=open_sans_extrabold]24/7[/FONT]
ACCESS[/h][FONT=open_sans_semibold]Meet your Worldwide Service Team[/FONT]

• 24/7 direct access to a Customer Service specialist
• Worldwide Travel Assistance from the Chase Travel Team
• Access to the Visa Infinite Concierge who can help you with requests like dinner reservations, or Broadway, music and sporting event tickets*

*Offer Details | † Pricing & Terms

​

Apply for your Sapphire ReserveSM card today

[FONT=open_sans_extrabold]100,000[/FONT] BONUS POINTSafter you spend $4,000 on purchases in the first 3 months
from account opening*


[FONT=open_sans_extrabold]$300[/FONT] ANNUAL TRAVEL CREDITautomatically applied to your account for travel
purchases charged to your card*

LOOKING FOR ANOTHER TRAVEL CARD?
[FONT=open_sans_extrabold]EXPLORE CHASE SAPPHIRE PREFERRED®[/FONT]
Click here

© 2016 JPMorgan Chase & Co. All rights reserved.
​

[/FONT]

 

[whiskers2]

check out the website creditcardtuneup.com. Put in what you would likely spend and they will suggest to you the best rewards credit card.

 

[boss415]

the Costco credit card is the nuts. 4% back on all gas. 3% on food + travel.
2% back at Costco. 1% back on everything else. FYI all my 1% purchases
go on other cards which give greater rewards.

Just got it and put my purchase on it at 0% for 7 months. No fee and cash back to buy more stuff at Costco really tough to beat !

 

[razorbackpicks]

$450 annual fee? yikes!

You get a $300 credit though on travel, that can be airlines, hotels, etc. So when I signed up for the reserve I made a large purchase that I was going to make anyways. This got me the 100,000 points. Also I stay in hotels frequently so I used up that $300 credit quick and the fee is only $150 basically, which I will make up easy with points.

 

[niltes]

I remember my southwest credit card. 50,000 points for spending $2,000.
that got us a free cross country round trip flight worth $900.
my Disney card got us $200 in Disney dollars for a small amount of spending.
my marriot card got us $100 credit first marriot stay and 25,000 points for spending
a little.
in the old days we has bonus whores in sports betting who ground out a living.
maybe nowadays being a credit card whore and changing cards once one has
qualified for the bonus might be the way to go.

 

[CaptainLee]

Now that you're fico is greater than 700, you should avoid using high percentages of available credit each month, regardless if you are paying the entire balance.

 

[CarolinaKid]

RP you are spot on this card to me is the best out there imo today, the 450 is nothing compare to the perks you get back, and i have a unlimited credit with this account

 

[5teamparlay]

Capital should be able to move your current account to a quicksilver. They did that for my wife basically without asking.

It's simple 1.5 Cashback

Everything it hits a said amount a check will be sent automatically.